Attempts to collect debt not owed: Debt collection

* * Consumer Financial Protection Bureau Complaint * * I am filing this complaint regarding a collection account reported by Jefferson Capital LLC with a reported balance of * * $120.00 * *. I dispute the accuracy and completeness of this account because the information being furnished to the consumer reporting agencies is incomplete and does not allow me to determine whether the debt is valid. The account lists the * * Original Creditor Name * * as " No Info '' and the * * Account Type * * as " No Info. '' The tradeline does not identify the original creditor, provide an explanation of the balance, or include documentation establishing that I am legally responsible for the alleged debt. Without this information, I can not verify the accuracy or legitimacy of the account. Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *, furnishers of information have a legal duty to report information that is accurate, complete, and capable of being verified. Reporting a collection account while omitting essential identifying information may result in inaccurate or misleading credit reporting. Additionally, under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * *, I have the right to receive validation of the alleged debt. I request documentation that includes : * The identity of the original creditor. * A complete account and payment history. * Documentation establishing my legal obligation to pay. * An itemization explaining how the reported balance was calculated. * Evidence that Jefferson Capital LLC has the legal authority to collect and report this account. Furthermore, * * 15 U.S.C. 1692e * * prohibits debt collectors from making false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. Continuing to report an account without sufficient supporting documentation raises concerns regarding compliance with these federal consumer protection laws. I respectfully request that Jefferson Capital LLC conduct a reasonable investigation and provide competent evidence supporting the validity, ownership, and accuracy of this account. If the company can not fully verify the debt as required by law, I request that the collection account be permanently deleted from all consumer reporting agencies. Thank you for your attention to this matter and for ensuring compliance with federal consumer protection laws.